Goodwill Letter to Remove Non Payment from the Credit History Dear Madam, Sir: I have enjoyed being Creditcarma customer since XXXXXX I have always been a model customer, but on September XX, 2017 I failed to make one credit payment totaling $XXXXX (XXX dollars and XXX cents). The only reason for the delay was that […]
A Guide to Saving and Investing Saving is very important, everybody knows, we believe we can say that with certainty. But how to save? Saving requires financial discipline. The following short article aims at elucidating some of the simple rules of saving.
Driving and Maintenance Jackie Stewart takes three road: a racing great’s tips on how to make yourself a world-class driver Every sport has its superstars whose awesome combination of skills and competitiveness set a standard for generations to come. In Grand Prix auto racing, the Scottish driver, Jackie Stewart, is among the sport’s greatest champions, […]
An Indy Guide to Used Car Buying Be a pro when you kick the tires of an auto you’re considering owning Marlboro-Penske team member Rick Rinaman has been the pit crew chief for two-time Indianapolis 500 champion Emerson Fittipaldi since 1990. Here are Rinaman’s tips on what to look for mechanically when shopping for a […]
Reading the Fine Print on a Lease Monthly payments are just the beginning Randall McCathren, executive vice president of Bank Lease Consultants, Inc., a consulting firm that tracks trends in auto lease financing, advises that, in addition to monthly payment, which is the main shopping comparison consumers use, potential lessees should consider these variables:
The Roaring Eighties The Roaring Eighties had its fair share of speculative excesses, and again unwary investors paid the price for building castles in the air. The decade started with another spectacular new-issue boom.
A Car-Buying Pro Speaks Get a Bargain on Your Dreamboat A car-buying pro reveals how to get the best deal in town No-dicker auto dealerships are increasingly common today, thanks to the one-price-fits-all success of General Motor’s Saturn division and a growing number of other dealerships. But if the deals at such showrooms are fair, […]
Lemon Law Lemon owners get a reprieve If the car you buy is a dud, you may qualify for a refund or replacement, that’s what the lemon law says!
Automatic Sprinkler Corporation In the 1960s, one company was truly creative in financing its acquisition program. It used a convertible preferred stock that paid no cash dividend at all (convertible preferred stock is similar to a convertible bond in that the preferred dividend is a fixed obligation of the company. But neither the principal nor […]
Synergism In the 19th century, by the mid-sixties, creative entrepreneurs had discovered that growth was a word and the word was synergism.
Pay Attention to Your 401 (k) Fund your do-it-yourself pension plan now or regret it later For many people, 401 (k) plans will be their largest retirement asset. Yet many employees are contributing below levels allowed by law, and fewer than 35 percent of 401 (k) plan participants set aside enough money to the plan […]
Social Security: What to Expect From Uncle Sam In the future, you’ll have to work longer before you collect A retiree would have a tough time surviving on Social Security benefits alone. The average annual Social Security benefit paid in 1994 was a meager $8,088. You can start taking benefits at age 62 but you’ll […]
Age of Retirement: Can You Afford to Quit? More and more, the burden for funding the golden years in on you Where does the average retiree’s income come from? For those pulling in more than $20,000 a years in retirement income, the largest chunk of the pie, 39 percent, comes from personal savings and investments. […]
Charity: For Goodness Sake There’s no shortage of good causes. These do the most with your dollars. In days of yore, the clang of a coin or the drop of a dollar satisfied the conscience of most donors. Signing a check meant helping the have-nots. But charitable giving isn’t as straightforward anymore. A new provision […]
History of Long-Distance Calling (An amazing text coming back from 1995 about those old time forever gone since that): It’s not as confusing as you think. Rule 1: sign up for a discount plan There’s no place to hide from the marketing blitz by long-distance phone carriers trying to lure new customers. Some 25 million […]
A Tightwad Tells All Some penny-pinching advice we’ve included at no extra charge Tightwads believe you can reach financial goals by saving more, not earning more. Amy Dacyczyn has made a personal crusade of finding ways to recycle milk jugs, bread tabs, brown paper bags, egg cartons, you name it. Dacyczyn, editor of The Tightwad […]
Attention TV Shoppers! There’s a bazaar of goods for sale on the tube. Not all are bargains Those 24-hour shopping shows are luring more than chronic TV browsers. Viewers are shelling out billions to buy a vast array of goods. The variety touted by the shows is immense: autographed baseballs, kitchen storage containers, exercise bikes, […]
Credit Cards: Picking Your Plastic Pay closest attention to the financial terms – not the perks of the hype If your mailbox seems to fill up with new credit card offers every time you turn your back, you are not alone. Fueled by a growth in consumer spending over the past few years, the credit […]
Should Kids Work? Should kids work? Parents have long suspected that teenagers who work long hours outside the home do poorly in school. Studies confirm that suspicion, as many of them found that teens who worked 20 hours or more a week after a school got grades half a letter lower than youngsters who worked […]
Teaching Kids About Money Start Young, Give Allowance Early in the Week, and Stress Savings Of the many required tasks parents confront raising their children, educating them about money and sound personal finance is on any list. Should you give your child in allowance? At what age? How much? What should kids pay for? Should […]
Where the Living Is Easy In the US everyday necessities cost less in the Midwest and the South Residents of New York City pay twice as much for movie tickets as their counterparts in Sioux City Iowa. A visit to the doctor costs more in Los Angeles than Montgomery, Alabama. Prices for a range of […]